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叶女士,原从事建筑行业,现为全职太太;叶女士丈夫为工程设计师,年收入在20万元左右;女儿6岁。目前有自住房1套,市值80万元(35万为11年按揭,当前贷款余额28万);投资房1套,市值40万元,年租金2万元,存款30万元,股权投资10万元,年股息收入1万元,基金6万元,还有一辆价值10万元的汽车。夫妇双方均有缴养老险和医疗险(其中叶女士每年自缴7500元),为小孩投保了“国寿鸿星”教育险,每年保费支出6000元,目前两人都没有购买其他商业保险。家庭基本开销每年2.5万元,养车费用1万元,支付贷款按揭4.3万元,小孩教育费用1.5万元,其他费用1.3万元左右。双方父母都有退休金,不需要两人支付赡养款。
Ms. Ye, formerly engaged in the construction industry, is now a full-time wife; Ms. Yeh is an engineering designer with an annual income of about 200,000 yuan; her daughter is 6 years old. There are currently 1 self-owned housing with a market capitalization of 800,000 yuan (350,000 for 11 years and a current loan balance of 280,000); 1 investment house with a market capitalization of 400,000 yuan, an annual rent of 20,000 yuan, a deposit of 300,000 yuan and an equity investment of 10 10,000 yuan, the annual dividend income 10,000 yuan, fund 60,000 yuan, there is a car worth 100,000 yuan. Both couples have paid old-age insurance and medical insurance (of which Ms. Ye pays 7500 yuan annually), insures the child for “China Life Insurance Star” education insurance, with an annual premium of 6,000 yuan. At present, neither of them has purchased any other commercial Insurance. The basic cost of a family is 25,000 yuan per year, the cost of raising a car is 10,000 yuan, the loan of a loan is 43,000 yuan, the child education cost is 15,000 yuan, and the other costs are about 13,000 yuan. Both parents have pensions and do not need two people to pay for their support.